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Just totaled my car.

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document everything muy pronto and go ahead and go to the doc TODAY if you haven't already.

expect the two insurance companies to play the blame game and each try to stonewall the other. just stay in constant contact with your adjuster and keep good notes on each convo.

don't pull a lawyer into this unless you think one or both ins companies are giving you the shaft.

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Yeah. I'm in the emergency waiting room at the moment

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[quote name='Floppin' timestamp='1354303539' post='2024153']
Yeah. I'm in the emergency waiting room at the moment
[/quote]

My mom is an ER nurse at New Hanover Hospital if that's where you are. If you need surgery ill send her a text to stitch a third nipple on you.


In all seriousness though, Hope you're Ok.

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[quote name='nickzz' timestamp='1354303059' post='2024144']
after reading that i'm going to go ahead and diagnose you with a concussion
[/quote]

And back problems? [b]100% sure you are suffering from whiplash too![/b]

Might have a cracked vertabre!

Never refuse a ride in an ambulance!

[b]NEVER admit to taking ANY drugs, not even cold medicine, Red Bull, etc. before hand! Or Say, I'm fine"! Her Inurance company will use that against you. In fact, they will try and use your drug history against you![/b]

Like the others said. DON'T SIGN ANYTHING!

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I called my attorney that's represented me on all my matters in this area. He's already making sure that everything is on the up and up.

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[quote name='Floppin' timestamp='1354303539' post='2024153']
Yeah. I'm in the emergency waiting room at the moment
[/quote]

When they take you back to be checked out tomorrow, let us know what the doc says
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Posted · Report post

yea and how many oxycondones you have

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Got 40 vicodin 5's, 65 flexerel, and 40 800mg ibuprophen.

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They didn't want to do xrays because they felt like it was only tissue damage. But I'm probably going to go back after two days and make them do xrays.

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I am glad to hear you are ok, like everyone else said, don't sign anything

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[quote name='Floppin' timestamp='1354310975' post='2024296']
Got 40 vicodin 5's, 65 flexerel, and 40 800mg ibuprophen.
[/quote]

The street value alone might get you that new car

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Tough luck on that, same kind of accident happened to me ~ 2 years ago, my wife was hurt and has had to have multiple surgeries.

You need to be careful with the insurance companies as they will want to minimize their payouts. Our accident wasn't in NC so i can't say how local laws apply to you, but some lessons learned we had were:

If you have medical insurance, make sure you use that for all of your treatments. The network discounts alone make it worth your time, else you can end up paying any settlement money back to the doctors. Heck we had one bill alone dicount was over 40G. If i hadn't billed that through my insurance I'd owe that hospital the 40G+ rather than the fraction of that I was charged after discounts. Also depending on NC and your medical insurance type, you may not have to pay the insurance company back with any settlement.

Don't discuss ANYTHING with her insurance company until you are ready to settle. They can and will use any statements you make against you.

Don't talk settlements until you are fully healed, have completed any and all treatments, physical therapy etc...

See if NC has a law similar to GA where her insurance company is required to provide you with her insurance coverage amounts.

At the end of the day, whatever she is covered for is all you will be able to get unless you want to sue her personally.

Check your auto insurance for uninsured/under insured coverage, if your medical bills exceed the other woman's coverage you might be abe to file a claim on your insurance for any balances.

Once you get to the point of settling, pain and suffering is generally 2-3 times your damages. Good rule of thumb to use if you think they are lowballing you on the offer.

We went with a lawyer upfront, and they will typically want between 30-40% of any settlement. With what i know now, i probably wouldn't have used one, but he pointed out a lot of the items we learned along the way so in our case we will likely come out ahead by using one.

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